The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$14,551
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,003
−HK$460/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,404
+HK$941/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$30,926/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,188
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,622
−HK$440/mo
Today · 4.125%
HK$17,062
baseline
▲ 0.50% · 4.625%
HK$17,962
+HK$900/mo
Deposit HK$3.19M · loan HK$3.19M · min. income ≈ HK$34,124/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,461
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$18,004
−HK$552/mo
Today · 4.125%
HK$18,556
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$1,129/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$37,112/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$529/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,554
+HK$1,079/mo
Deposit HK$2.55M · loan HK$3.83M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,371
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$644/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,317/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$616/mo
Today · 4.125%
HK$23,887
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,259/mo
Deposit HK$1.91M · loan HK$4.47M · min. income ≈ HK$47,774/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$828/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,694/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,919
−HK$793/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,331
+HK$1,619/mo
Deposit HK$638K · loan HK$5.74M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$811K (deposit + AVD stamp duty HK$173,124 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).